Banking that
|
Cosmico connects all your bank accounts, analyses spending with AI-powered charts, and rewards you for smart financial habits — one intelligent dashboard.
2,000+
Early adopters
3
Countries
£0
Fees, always
💸 Transfer sent
£250 to John D. · Just now
🤖 Cosmico AI
You could save £180/mo
Available in
United States
United Kingdom
Canada
One platform.
Every edge.
AI-native financial infrastructure built for people who demand more from their money.
AI that reads
your finances
Your personal AI banker analyses every transaction in real time — surfacing savings, flagging anomalies, and advising before you even notice.
AES-256 · TLS 1.3
a3f9••••b2c1••••e7d4••••91fa••••
Bank-grade security
End-to-end encryption and 2FA on every sign-in. The same standards as tier-1 institutions.
Instant transfers
ACH-powered with zero fees. Settled in seconds.
Multi-bank view
All accounts, balances, and transactions — unified.
£5 cashback · spend £50 at Tesco
AI Rewards
GPT-4o-mini builds personalised quests. Earn cashback for habits you already have.
See Cosmico in action
Watch how Cosmico brings all your bank accounts together in one intelligent dashboard.
Meet Cosmico AI
Your personal AI banker, available 24/7.
Cosmico AI
Always online · GPT-4o-mini
Contextual spending chat
Reads your live transaction data before every response — answers about your real finances, not generic advice.
Personalised AI rewards
GPT-4o-mini analyses your spending patterns and generates tailored merchant challenges to earn cashback.
Spending analysis on demand
Ask "where did my money go?" — get instant Monzo-style charts: doughnuts, bar charts, trend lines.
Always-on floating widget
Lives in the corner of your dashboard. One click — instant answers, no navigation.
Earn rewards for spending you already do
GPT-4o-mini studies your transaction history and builds a personalised Quest Board.
AI builds your quests
Every challenge is generated fresh from your actual spending. Tesco shopper? You get a Tesco quest.
XP progress tracking
Live progress bars fill as you spend. Watch your XP grow toward the reward threshold.
Real prizes, real merchants
Amazon vouchers, cashback, and gift cards from brands you use — unlocked automatically.
Fresh quests, always
Complete your board and new AI challenges appear. Your Quest Board evolves with you.
Quest Board
Cosmico AI
Tesco Challenge
Spend £80 at Tesco this month
£5 cashback
+120 XP
Costa Coffee Run
Visit Costa 5 times this month
Free drink
+80 XP
Cinema Weekend
Spend £20 at Vue Cinema
Up in 3 steps.
Create your account
Sign up in under two minutes. No paperwork, no branch visits.
Connect your banks
Link accounts via Plaid. Read-only, zero risk, instant sync.
Track & earn rewards
AI analyses your spending, builds quests, and helps you grow your wealth.
Security Infrastructure
Secure by design.
Transparent by default.
Every layer of Cosmico is built with your data security as the primary constraint — not an afterthought.
Appwrite cloud auth · Sandbox mode · No real funds processed · Not FCA regulated
The bank account
you deserved
all along.
AI insights. Instant transfers. Quest rewards. One unified view of every account — completely free.
£24,891
↑ +£1,240 this month
AI Insights
12
this week
Cashback
£47
earned total
£5 cashback · spend £50 at Tesco